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Midwest Coalition of Labor Trust, Police Benevolent & Protective Association

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Critical Illness Insurance

Group Name: Midwest Coalition of Labor Trust, PBPA
Group Number: 706965

Get benefits for covered illnesses and conditions.

Critical Illness Insurance pays a lump-sum benefit if you are diagnosed with a covered illness or condition that happens on or after your coverage effective date. Critical Illness Insurance is a limited benefit policy. This is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.

Your Critical Illness Insurance includes the following benefits:

Wellness Benefit

This is a yearly benefit you and everyone covered on your certificate can earn by completing an eligible health screening test.

Additional services included:
Voya Cares®

Voya Cares® is not insurance coverage. It is a service offered through the Voya family of companies.

 
We are committed to being a leader in making a positive difference in the lives of individuals with special needs and disabilities - as well as their families, caregivers and other providers - by offering a depth of resources focused on education, planning and solutions through Voya Cares®.

What is Critical Illness Insurance?

Critical Illness* Insurance pays a lump sum benefit if you are diagnosed with a covered illness or condition on or after your coverage effective date. Critical Illness Insurance is a limited benefit policy. This is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.

*Critical Illness is called Specified Disease in some states.

How can Critical Illness Insurance help?

Below are a few examples of how your Critical Illness Insurance benefit could be used (coverage amounts may vary):

  • Medical expenses such as deductibles and co-pays
  • Child care
  • Mortgage payment/rent and home maintenance
  • Everyday expenses like utilities and groceries

Why should I enroll through my employer?

Premium amounts are deducted from your paycheck, so you don’t have to worry about paying another bill.

Can I purchase coverage for my spouse and child?

Coverage is available for your eligible spouse and your eligible children up to age 26* as defined in the certificate of insurance and riders, if employee coverage is elected.

*Standard ages may vary.

How much does it cost?

The cost of Critical Illness Insurance varies based on your age and the amount of coverage. It is very likely that your monthly premiums will be less than your monthly lunch budget.

Is this guaranteed issue coverage?

Yes. This is guaranteed issue coverage.  Pre-existing conditions may apply. See the Certificate of Insurance and any riders for a complete list of available benefits along with applicable provisions, exclusions and limitations.

This is a summary of benefits only. A complete description of benefits, limitations, exclusions and termination of coverage will be provided in the certificate of insurance and riders. All coverage is subject to the terms and conditions of the group policy. If there is any discrepancy between this document and the group policy documents, the policy documents will govern. To keep coverage in force, premiums are payable up to the date of coverage termination. Critical Illness Insurance is underwritten by ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya® family of companies. Policy Form #RL-CI4-POL-16 and Certificate Form #RL-CI4-CERT-16.  Form numbers, provisions and availability may vary by state. 

Benefit Basics video
Real Life Example

Mike hadn’t expected to have a heart attack in his early forties but when he did, he was grateful he had Critical Illness Insurance. While Mike is expected to make a full recovery, his recuperation could have been more challenging had it not been for the benefit paid by his Critical Illness Insurance.

Example out-of-pocket expenses

Medical expenses (Deductible/co-pay) $5,000
Everyday expenses $2,000
Mortgage payments $2,800
Car payment + $800
Total out-of-pocket expenses $10,600

Maximum Critical Illness benefit paid

$20,000
Total benefit paid $20,000

This is shown for illustrative purposes only. Actual results may vary. Average Critical Illness Insurance claim paid from 1/1/2022 – 6/1/2022 was $10,773.55. For a complete description of your available benefits, exclusions and limitations, see your certificate of insurance and any riders.

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